Top 5 Ways to Get Lower Rates on Car Insurance in Ashford, AL

Are you intimidated by the dozens of car insurance options in Ashford? You're not the only one! You have so many choices that it can turn into a real hassle to find the best price.

Finding affordable coverage in Ashford is easy if you know what you're doing. In a nutshell, every driver who is required by state law to have car insurance should be able to reduce their rates. But Alabama car owners do need to know how the larger insurance companies market insurance on the web because it can help you find the best coverage.

Policy discounts you shouldn't miss

Auto insurance companies do not list all available discounts very clearly, so we researched some of the more common and the harder-to-find car insurance savings.

  • Fewer Miles Equal More Savings - Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • Memberships - Belonging to a qualifying organization could qualify you for a break when buying car insurance.
  • No Charge for an Accident - Certain companies will allow you to have one accident before raising your premiums so long as you haven't had any claims for a certain period of time.
  • Paperless Signup - Some insurance companies will give a small break for buying a policy and signing up over the internet.
  • Multiple Cars - Buying insurance for all your vehicles on the same car insurance policy qualifies for this discount.

Drivers should understand that most credits do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability and collision coverage. So when it seems like you could get a free car insurance policy, companies wouldn't make money that way.

To see a list of insurers with discount car insurance rates in Alabama, follow this link.

car insurance in Ashford

How to Compare Car Insurance Quotes in Ashford, Alabama

The are a couple different ways to compare rate quotes from car insurance companies in your area. The best method to find the lowest rates is simply to get online rate quotes. This can be done in several different ways.

  • The best way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This method prevents you from having to do multiple quote forms for each company. Filling out one form will get you price quotes from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
  • A different way to shop for car insurance online requires a visit to the website for every company you want to comare to request a price quote. For sake of this example, let's assume you want to compare rates from , and . You would have to spend time on each company's site to input your insurance information, and that's why the first method is more popular.

    For a list of links to companies insuring cars in Ashford, click here.

It doesn't matter which method you choose, just ensure you are comparing identical coverage limits for each price quote. If you enter differing limits you will not be able to truly determine the lowest rate in Ashford. Just a small difference in insurance coverages may cause a big price difference. Just remember that obtaining a wide range of quotes helps locate better pricing.

Save $429 a year? Really?

21st Century, Allstate and State Farm consistently run television and radio advertisements. All the companies say the same thing that you'll save big if you change to their company. How does each company make the same claim? This is how they do it.

Different companies are able to cherry pick for the driver that is profitable for them. For instance, a profitable customer could be between the ages of 40 and 55, has no driving citations, and chooses high deductibles. Any new insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save when switching.

Drivers who don't qualify for these standards must pay higher premiums which usually ends up with business going elsewhere. The ad wording is "drivers who switch" but not "drivers who get quotes" save that much. That's the way companies can state the savings. This illustrates why drivers must quote coverage with many companies. It's just too difficult to predict which car insurance company will give you the biggest savings.

The best insurance company isn't always the cheapest

Budget-conscious car insurance is attainable from both online companies and also from your neighborhood Ashford agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies may not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

When buying insurance coverage, never reduce coverage to reduce premium. There are a lot of situations where someone sacrificed liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

Consumers leave their current company for any number of reasons including delays in responding to claim requests, questionable increases in premium, denial of a claim or an unsatisfactory settlement offer. No matter why you want to switch, switching car insurance companies is actually quite simple.

More detailed Alabama car insurance information is located at the Alabama Department of Insurance website. Consumers can find disaster information, find out which companies have the most complaints, and discover disciplinary actions.